BlastPoint's Credit Union Scorecard
SHAREPOINT
Charter #63098 · MN
SHAREPOINT has 2 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 5.1% in tier
- + AMR Growth Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 1.1% in tier
- - Stagnation Risk: Bottom 11.4% in tier
- - Institutional Decline: Bottom 24.3% in tier
- - Credit Quality Pressure: Bottom 70.6% in tier
- - Efficiency Drag: Bottom 89.8% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 8.79% above tier (higher cost structure)
- - Member decline: -18.6% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,310
-18.6% YoY-14.2% QoQ
|
+5.9K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$362.9M
-4.4% YoY-0.9% QoQ
|
+$131.1M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$235.7M
-0.6% YoY-2.1% QoQ
|
+$88.4M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$320.2M
-6.5% YoY-1.7% QoQ
|
+$119.3M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
85% |
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| ROA |
0.5%
+583.7% YoY+19.0% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.4%
+20.2% YoY+0.9% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
85.8%
-6.6% YoY-2.0% QoQ
|
+8.8% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.9%
+14.5% YoY+10.5% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
73.6%
+6.4% YoY-0.5% QoQ
|
+1.4% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$26,084
+17.8% YoY+14.3% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
28.0%
-5.1% YoY+0.1% QoQ
|
+3.6% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
7.2%
+59.0% YoY+9.8% QoQ
|
-6.6% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)